Motive - Risk Analyst I
Requirements
• 2-5 years of underwriting experience in financial services, high-growth payments, or fintech company • Strong critical reasoning, problem solving and analytical skills • Ability to work independently and thrive in a collaborative team environment • Excellent oral and written communication skills • Familiar with fundamentals of financial risk assessment • Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act) • Experience with quantitative and qualitative analysis • Strong organization, and time management skills • Proven experience with bank based & financial underwriting • Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading
Responsibilities
• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records. This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports • Directly communicate with clients & sales about application status • Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness • Make determination whether to approve, decline or seek an exception for an application based on policy guidelines • Make quality decisions in a timely and efficient manner within expected SLA • Perform portfolio management, evaluating and identifying suspicious or questionable items • Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey • Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo
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